The appellant slipped and fell on black ice while holding her key fob and reaching to unlock her car door.
She applied for accident benefits, which the insurer initially paid but later disputed by raising a preliminary issue that the incident was not an 'accident' under s. 3(1) of the SABS.
The Licence Appeal Tribunal found the incident was not an accident.
On appeal, the Divisional Court held that the LAT did not err in allowing the preliminary issue to be raised late, but erred in law in its causation analysis.
The court found the appellant was engaged in the ordinary use of her vehicle and the ice was not an intervening cause, concluding the incident met the definition of an accident.